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The Rules That Govern Your Account With Us

Every account on cikgu99 operates under a clear set of legal terms — covering how your data is held, how disputes are handled, and what obligations both you and we carry.

Jurisdiction-conditional accessTransparent account termsData retained only as requiredDispute process documentedPolicy updates communicated directly
cikgu99 The Rules That Govern Your Account With Us
DATA AND ACCOUNT SECURITY

How We Handle Your Data and Account Records

We treat your account data with the same precision we apply to transaction verification. Our approach to data handling, cookies, security and retention is built around what the applicable legal framework requires — not general best-practice gestures.

Data Retention Policy

Account records, transaction logs and identity verification files are held for the period required by law. We do not retain data beyond that window without explicit documented reason.

Cookie and Tracking Consent

We use session cookies for account security and analytics cookies to understand platform behaviour. You can review and adjust cookie preferences through your account settings at any time.

Account Security Measures

Login to your account uses OTP verification tied to your registered mobile number. Any change to your account email, phone or payment method triggers a secondary confirmation step before taking effect.

Right to Request and Correct

You may request a copy of your stored personal data or submit a correction request via our policy email channel. We aim to acknowledge and action these within the legal timeframe.

LEGAL CONTACT PATHS

How to Reach Us on Legal or Policy Matters

If you have a specific query about our terms, a data access request, or a formal dispute to raise, these are the direct channels to use. Each route is monitored and handled by the relevant team — not a general inbox.

Team online

Live Chat Support

Reach our account and policy team directly through the live chat window in your account dashboard. Available during published operating hours for formal query logging.

Email for Formal Requests

Send data access requests, account closure instructions or dispute submissions to our dedicated policy email. Responses follow the documented review timeline in our terms.

In-Account Notification

Policy updates, term amendments and account-specific legal notices are delivered directly to your account notification panel — check it after any major platform update.

Common Questions About Our Legal Terms

These are the questions we get asked most often when it comes to account rights, data handling and legal responsibilities. Read through before raising a formal query — you may find your answer here.

Yes. All accounts accessing our platform where local law permits are subject to the same legal terms. Access eligibility itself depends on local law and your region of residence.

Submit a written data access request to our policy email address. Include your registered account number and contact details. We aim to respond within the legally required period.

You may submit a deletion request, but data tied to transaction records — including Touch 'n Go eWallet, Boost and GrabPay activity — must be retained for the period required by applicable law before deletion.

We notify you via your account notification panel before any material change takes effect. Continued use of your account after that date constitutes acceptance of the revised terms.

Submit your dispute in writing through the live chat or policy email channel. Informal messages do not constitute formal submissions. We document and review each case against the terms in effect at the time of the event.

Our terms are governed by the applicable laws of the jurisdiction in which you access the platform. Access and participation are available only where local law permits, and disputes are handled accordingly.
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Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.